Insurance coverage of water damage and mold.
The expression ‘Better ready than sorry’ can’t be truer when it is applied to a situation such as water damage. “Knowing in advance what to do in such an instance, who you should call for example,when such an emergency happens, can save you lots of stress and money”, says Yaron Lief owner of the water damage company Orange restoration “However, knowing all the points in you’re your homeowner’s insurance policy is just as important” he adds.
Explaining your water damage problem correctly to your insurance adjuster plays an important role in determining just how much the damage is going to be covered by your policy.”know your rights and try to understand something about water damage, because it can make a big difference to your pocket if you have a flood”. advises Yaron Lief
If you are hoping to get full coverage for your claim, you also need to know exactly what insurance policies are designed to do. They will cover the cost of cleaning up the damage created by a flooding . They will also cover the cost of restoring wet items. However, whatever it is that caused the leak may not be covered by your homeowner’s policy.this will be judged separately according to individual factors.
If a leakage in your home structure has prevailed and is the source of water damage or flooding , the insurance policy will probably cover the repairs cost of drying out the flooded area and any items there,but will not foot the bill for the leakage repair.
If you experience water damage in your home, you should immediately contact your insurance agent. He will most likely want to know what caused the water damage in order to assess if it is covered by your home owner’s insurance policy.
Your next step should be to call in the water damage experts in order to start the drying process as soon as possible. This should be done within 24 hours, the sooner the better. “It is most important”, stresses Yaron Lief “to prevent the mold from developing in your home because this is a real health hazard”
Mold is a vital issue to be contended with in a flooding. Mold growth consists of microscopic organisms that are fungi. They thrive in moisture saturated environments.they can cause allergic reactions of the respiratory system, which include Asthma, or Rhinitis, as well as Allergic skin conditions.
Lief advises to take steps to prevent mold development which can save you a serious expense.”It is possible to avoid irreversible damage to furniture and other items in the home as well as to your property in general with a little bit of extra care in keeping your home dry”
It is most likely that your homeowner’s insurance policy will cover mold and water damage if the lost property has been insured. The agents will want you to correctly identify the direct cause of the water damage and will verify your information. They will also check if the mold existed before the water damage crises. If it appears that the mold growth has been caused by neglect or insufficient ventilation, the insurance company will not cover the cost of mold remediation.
Whatever the case, says Yaron Lief, if your home owner’s insurance policy enables you to do so, you should promptly set to work. So, remember to seek out the original cause, look for mold, report the damage precisely and hire a contractor to do a professional cleaning up job. He should be someone trained to deal with water damage and mold remediation.
